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Opportunity Description
Job Purpose:
• The jobholder is accountable for ensuring that all Risk analytics / Product Reviews are carried out periodically that outlines various aspects of the risk on asset quality and covers end to end Trend MIS across asset products.
• The jobholder will be involved in the development and maintenance of comprehensive and effective retail credit risk management and credit risk governance frameworks and practices and be a fundamental element in the efforts to implement a quantitative Risk Analytical Unit on an on-going basis.
Main Responsibilities and Accountabilities
• Ensure Risk analytics / Product Reviews are carried out periodically that outlines various aspects of the risk on asset quality and covers end to end Trend MIS across Secured & Unsecured asset products
• Ensure appropriate MIS and portfolio performance analysis is in place to report relevant information to Senior Management on a timely, complete and 100% accurate basis.
• Implement an escalation procedure for the reporting and resolution of specific breaches of policy, key risk issues and control failings and weaknesses.
• Develop early loss mitigation opportunity models and process. Practice an objective portfolio management process, which enhances the quality of credit policy, underwriting and collection to industry best levels.
• Analyse the portfolio of Loans, Advances and cards offered by RAK Bank under the RB suite of products and provide inputs for Policy formulation and changes from time to time
• Effectively contribute to PPG reviews by providing recommendations arising out of Portfolio Reviews and support the Credit Policy Desk with regular and ad hoc MIS reports on various customer segments across the Retail Asset portfolio
• Conceptualise exception MIS for missing data for loans and cards and ensure gaps are addressed appropriately as part of Risk Control measures and to ensure data accuracy and adequacy
• Ensure successful completion of data extraction and submission to the Federal credit Bureau for historic and live data. Ensure data accuracy is maintained and necessary quality checks are carried out on the automated data extracted by the system prior submission to the Bureau
• User Acceptance Test (UAT) to be carried out across systems (CAPS / RLS / EQUATION/ Other Surround system) for changes from time to time
• To manage Staff by training, evaluating performance, motivating constantly and ensure adequate capacity to handle designated tasks.
• Represent RB Credit and Collections in RLS replacement Projects and assessment of New Risk Analytical tool for the bank. Provide inputs for the Product selection, Requirement gathering and ensure successful UAT and Implementation of the systems
Skills
Skills & Experience:
• Education/ Professional level required
• University Degree or equivalent qualification
Work Experience:
• Minimum 5 years’ work experience related to Credit Policy and Risk management of Retail banking Assets’ portfolio
Specialist Skills required for the job:
• Good understanding of RB Assets databases
• Sound IT Background and MIS/ PC skills
• Strong analytical and conceptualising skills
• Capability to communicate at all levels ,networking skills with internal customers
• People management skills :-Build Pride and Passion, grow
Talent and Capability:
• Drive Performance effectively, deploy and motivate staff
• Good Presentation skills
• Predictive modelling
• Statistical Modelling
• SAS